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Risk

Fraud & Chargebacks

Fraud prevention and dispute handling are operational disciplines, not just processor features.

Built to make payment decisions clearer

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Plain-English explanations without a sales pitch.
Practical
Questions, frameworks and cost thinking you can actually use.
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Merchant Atlas

Risk is an operating discipline

Good prevention, evidence and dispute handling depend on process as much as product features.

Key concepts

What to understand

Prevention

Use appropriate authentication, data quality and fraud controls for your sales channels.

Evidence

Keep clear order, delivery and customer-service records that support dispute responses.

Monitoring

Track dispute reasons, fraud patterns and operational causes over time.

Ownership

Know whether your team, gateway, processor or another provider handles each stage of the process.
Provider conversation

Questions worth asking

  • Which company provides each part of the service?
  • Which charges change with volume, ticket size, card type or customer location?
  • What would cause pricing, reserves or settlement terms to change?
  • How are support, refunds, reporting and disputes handled?

Test the pricing assumptions.

Use the calculator to see how percentage and fixed fees behave at different transaction sizes.